Suggestion - Optimise / Review my portfolio

[gg123]

Hi Everyone,

My CC portfolio.

1. Axis ACE - 499/-
2. Axis Select - LTF (Burgundy at family level)
3. Amex Gold Charge - 4.5K
4. ICICI platinum- LTF
5. ICICI coral Rupay - LTF
6. Axis privilege- LTF (in process)

My spends used to be above average when I was living in a tier -1 city up until one month ago. and all of the offline/online spends use to go on Ace card. I have definitely spent more than 2L so the renewal fee in MAY 2024 won't be an issue.

But going forward my spends will be ~3L for entire year
My plan

• Gold charge - Utilities , Insurance, Online spends like Uber , Swiggy , Zomato and 3rd party sites via Apay Gift vouchers from reward multiplier. 95% of times Apay balance does the trick. (I get about 2-3k points including 1k bonus) Also Fuel without 5X
• Axis Select - Bigbasket, Swiggy offer twice a month, Offline Grocery / House supplies where it 90% of times gives me 2X points, some other categories like education/jewellery where ACE doesn't provide me cash back
• Axis Privilege - Just taking it for Multibrand voucher
• Axis Ace - Doesn't see much need for it now as utility is covered by gold charge and offline spend will give me 4% via Select and Privilege. Probably I might use it for <200 rs spends offline.
• ICICI Plat for instant discounts (Also my first card can't close it)
• Coral rupay for UPI

I use burgundy debit card for movie tickets and paying the CC bill

Thinking of closing axis ACE. is it a wise move considering I can use it for ~17 months without paying annual fee

I'll appreciate Any new card suggestions or optimisation suggestions.

Thanks in Advance.

 

[D₹V]

Axis Ace - Doesn't see much need for it now as utility is covered by gold charge and offline spend will give me 4% via Select and Privilege. Probably I might use it for <200 rs spends offline.

For this you don't need to spend 2 lacs.

Just request retention team to reverse charges when it's charged every year 😜.

 

[gg123]

For this you don't need to spend 2 lacs.

Just request retention team to reverse charges when it's charged every year 😜.

it's Axis not Amex xD.

But seriously. will it work?

 

[D₹V]

it's Axis not Amex xD.

But seriously. will it work?

To main kya idhar fekne aaya hu?? 🤷

 

[Tarun239]

Hi Everyone,

My CC portfolio.

1. Axis ACE - 499/-
2. Axis Select - LTF (Burgundy at family level)
3. Amex Gold Charge - 4.5K
4. ICICI platinum- LTF
5. ICICI coral Rupay - LTF
6. Axis privilege- LTF (in process)

My spends used to be above average when I was living in a tier -1 city up until one month ago. and all of the offline/online spends use to go on Ace card. I have definitely spent more than 2L so the renewal fee in MAY 2024 won't be an issue.

But going forward my spends will be ~3L for entire year
My plan

• Gold charge - Utilities , Insurance, Online spends like Uber , Swiggy , Zomato and 3rd party sites via Apay Gift vouchers from reward multiplier. 95% of times Apay balance does the trick. (I get about 2-3k points including 1k bonus) Also Fuel without 5X
• Axis Select - Bigbasket, Swiggy offer twice a month, Offline Grocery / House supplies where it 90% of times gives me 2X points, some other categories like education/jewellery where ACE doesn't provide me cash back
• Axis Privilege - Just taking it for Multibrand voucher
• Axis Ace - Doesn't see much need for it now as utility is covered by gold charge and offline spend will give me 4% via Select and Privilege. Probably I might use it for <200 rs spends offline.
• ICICI Plat for instant discounts (Also my first card can't close it)
• Coral rupay for UPI

I use burgundy debit card for movie tickets and paying the CC bill

Thinking of closing axis ACE. is it a wise move considering I can use it for ~17 months without paying annual fee

I'll appreciate Any new card suggestions or optimisation suggestions.

Thanks in Advance.

How did u get axis privilege ltf??

 

[Vasuki]

How did u get axis privilege ltf??

Same question ++

 

[vaibhavpp0707]

For this you don't need to spend 2 lacs.

Just request retention team to reverse charges when it's charged every year 😜.

it's Axis not Amex xD.

But seriously. will it work?

This is true.
I had 167k spends on my axis ace. Annual fee was levied on my card. I called customer care they denied to reverse. So asked them transfer call to retention team. They did and they raised SR. Within 3 days they reversed annual fee with GST.
Also I had missed to pay some 150₹ amount by mistake. They levied 1300₹ debit interest charges. That amount also revered.
Customer care guy told me as a service gesture we can reverse these kind of charges once in 6 months if you are having good payment history.

 

[gg123]

How did u get axis privilege ltf??

Same question ++

It is in process. Just asked my RM he said he'll process it.

 

[Vasuki]

It is in process. Just asked my RM he said he'll process it.

Idk .maybe select is LTf for Burgundy not heard about ltf previlgae.. lets see ..
Update us whatever goes around

 

[DaDarkkNight]

@gg123 any update on your axis privilege LTF conversion process?

 

[gg123]

@gg123 any update on your axis privilege LTF conversion process?

Hey, I have kept it on hold for now. and leaning towards atlas as I am flying frequently for last 2 months and the pattern will stay like this for at least another 7-8 months. I just hope axis doesn't devalue the card in next couple of months.

 

[coolguy1]

I just hope axis doesn't devalue the card in next couple of months.

If I was you, I wouldn't keep my hopes too high.

 

[Vasuki]

If I was you, I wouldn't keep my hopes too high.

Morning u were hoping for atlas to get devalued & vistara got derailed 😅😅

 

[HumorSimpson]

Morning u were hoping for atlas to get devalued & vistara got derailed 😅😅

Reminds me of a joke.

A guy who is an eligible bachelor hears in a sermon that prayers are effective when prayed for others. The next day he prays that he wants a helping hand for his mother in domestic chores, thinking that he will be blessed with a marriage and his wife will be of help to his mother. But the God's miracle was a domestic maid.

 

[Vasuki]

Reminds me of a joke.

A guy who is an eligible bachelor hears in a sermon that prayers are effective when prayed for others. The next day he prays that he wants a helping hand for his mother in domestic chores, thinking that he will be blessed with a marriage and his wife will be of help to his mother. But the God's miracle was a domestic maid.

Maids Do Backstab & u live another day 🙂. Not in the former case 😳

 

[HumorSimpson]

Maids Do Backstab & u live another day 🙂. Not in the former case 😳

The sentence is confusing. Is it back rub ?

 

[Vasuki]

The sentence is confusing. Is it back rub ?

🥲 He was asking for wife - former
Got maid -
.like that context

 

[coolguy1]

Morning u were hoping for atlas to get devalued & vistara got derailed 😅😅

Axis will take good care of everyone, give it some more time.

 

[Vasuki]

Using all devalued card 😆 . Iocl , previlgae,my zone
I m safe 😅
Axis can't touch me now

Axis will take good care of everyone, give it some more time.

 

[TheGuy]

Iocl, privilege

how were these devalued?
all ltf?